Individual Insurance

Home Insurance is vital to owning your own piece of paradise. Unlike renting, if something goes wrong, you are the one responsible for making it right.

Renters insurance protects your belongings in case of some sort of disaster while you live in an apartment or other dwelling you don’t own. The landlord’s insurance will only protect the landlord’s property; not yours. Even if renters insurance isn’t required for you to move in, it’s a good idea to have it.

Condo insurance along the Alabama and Florida Gulf Coast can provide you with many benefits. Even though your condo association has a master policy, it won’t do much to protect you and your specific property. The master policy won’t repair the inside of your condo, and it won’t replace stolen or damaged belongings.

Flooding is a problem that many Alabama and Florida residents know all too well. Floods are the number-one most common natural disaster and cause millions of dollars in damage. And yet, less than one-third of residents have a policy to protect them. We can’t recommend flood coverage enough.

Many residents along the Alabama and Florida Gulf Coast may have heard of umbrella insurance but may not quite understand how they work. That’s where we come in!

All too often, it’s not until the unimaginable happens that you realize you’re not prepared. Unfortunately, commercial insurance is one of those things that comes with serious repercussions when you fail to prepare. Your Florida or Alabama business is at risk every day that you go without proper insurance coverage.

You know what it takes to get to the finish line of your construction project, but did you know that builder’s risk insurance is an essential part of getting the ball rolling?

A builder’s risk policy lowers the potential for financial loss by assuring materials along with the construction site as a whole. The consumer has little reason to sue the construction company for damages to materials if there is a builder’s risk insurance plan in place. You don’t want to start a construction project along with the Alabama or Florida Gulf Coast without having a builder’s risk policy.